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OOMM NEWS NEWSONTARIO MUTUALS NEWSLETTER | FALL 2024Mutuality in ActionPresidents & Managers Meeting pg. 42Important RecognitionDistinguished Service Award pg. 44

John Taylor, PresidentOntario Mutual Insurance AssociationOur Mission: To serve and strengthen our mutual insurance community.Our Vision: Grassroots insurance at the core of thriving communities.OM News is produced by the Ontario Mutual Insurance Association on behalf of our member and associate member companies.A Familiar View Here we are again, in this season of change, looking towards a new and exciting year. But let’s not forget to take stock of all we’ve accomplished. The mutual community is a vibrant place, one that embraces its people and holds fast to its core belief of people over prot. You’ll see in these pages a season of community giving, of working together, of learning and growing. And you’ll see people who care.We take our roots seriously, all while looking towards the future of new technologies, new colleagues, and new opportunities to shape our small corner of the world.On behalf of the Ontario Mutual Insurance Association, congratulations on a productive and impactful year. We wish you all a happy and restful holiday season.

Our Mission: To serve and strengthen our mutual insurance community.Our Vision: Grassroots insurance at the core of thriving communities.OM News is produced by the Ontario Mutual Insurance Association on behalf of our member and associate member companies.A Message from OMIA’s ChairMarg Torrance, HD MutualUpcoming EventsA Peek at our Spring ScheduleNew Team MembersWelcoming New Faces to the Mutual SystemMutuals Give BackThis is How We Support Our CommunitiesAppointments & Position ChangesTransforming the Mutuals Education CalendarOMIA Education at-a-glanceMilestonesRecognizing Signicant AnniversariesAccomplishments Congratulating Mutual Members on Their Professional DevelopmentOther News & EventsMore Mutual NewsRetirementsCelebrating Those Who Helped Us Thrive322935364633OMIn this issue >>Fall 202445613Presidents & Managers Meeting pg.42A Look Back at Our Fall EventsPage 40

pg. 4A Message from OMIA ChairMarg Torrance, HD MutualIt’s hard to believe that I’m now eight months into the role of Chair of the OMIA Board. What an exciting, rewarding, and yes, busy time this fall has been! I continue to be honoured to serve as the Chair of this great Association, working with a tremendous group of colleagues. We’ve made some difcult decisions this year that involved a lot of listening to our members and each other. We are a group that can have tough discussions and always come to a unied decision.I’ve been fortunate to see so many demonstrations of this year’s theme, “Learning, Living and Leaning In,” as I’ve met with and heard from so many of our member company managers and directors. We are a community that shares, cares, and learns from each other at every opportunity. Some of the highlights of past few months include: The Farm Mutual Re Summer Meeting in Chatham; the NAMIC Annual Convention in Denver; CAMIC’s Annual Convention in Niagara Falls; Strategic Planning for OMAP; Regulatory Review Committee session with several FSRA executives in attendance (that relationship is really starting to gel); the IBAO Convention in Toronto; and probably my top highlight so far, the P&M Conference recently held in Ottawa. There were great speakers and insightful educational sessions, and a fun-lled gathering complete with costumes, a photobooth, fortune-telling and dancing. It was so great to see such spirit and energy amongst colleagues and friends! Check out some of the fun pictures in this newsletter.Next on the Learning adventure is spending a day visiting each of our Groups at their Annual Meetings. It’s a great chance to hear from directors and leaders about the key challenges and successes they have experienced in 2024, and their priorities and plans for the future.The OMIA Board has spent a good amount of time working on our strategic plan for the next 3-5 years. We distributed a survey to all members this summer and received a tremendous response. It’s encouraging and afrming to see the engagement and alignment of our community. There are likely going to be continued amalgamations and growth in the size of our individual companies. That means OMIA needs to adapt and respond to the needs in this quickly changing landscape.We have had a record number of quality applicants for upcoming positions on the OMIA Board which speaks to the bright future and engagement of our members. Thank you to all of the companies that have supported candidates.As we head into the nal weeks of 2024, I invite you all to LEAN IN! (And I recognize that this is not always an easy thing to do.) We’re living in increasingly changing - some would say tumultuous - times. We can get caught up in worry and anxiety – wondering about where things “might” go, like the impact of the political climate with our neighbours to the south. It can be overwhelming if we stay in that mindset. We need to pay attention, be aware, and take note of what is going on around us, yet at the same time, acknowledge the good and be grateful for what we do have. It’s a tough balance, but as a community and as individuals, we are resilient. We have been through a lot in our 150 plus years and we have learned a lot about what it takes to remain steady and stable through turbulent times. Thank you for the opportunity to serve as your Chair and for your support and encouragement. Wishing you all a safe, healthy and happy holiday season ahead.Mutually yours,Marg

pg. 5OMIA is pleased to promote Ontario Mutuals, and provide an avenue for member participation, at signicant community and industry events. Please see below for the details.Please write to marketing@omia.com if you have any questions about our upcoming events.Upcoming EventsLONDON FARM SHOW www.londonfarmshow.comThis is the largest spring farm show in eastern Canada, featuring over 370 exhibitors and 230,000 square feet of show space, showcasing the latest in agricultural technology & equipment. Western Fair DistrictMarch 5-7, 2025London, OntarioOTTAWA VALLEY FARM SHOW www.ottawafarmshow.comThis dynamic, innovative show, produced by the Ottawa Valley Seed Growers Association, is the longest running agricultural trade show in Ontario and draws visitors from across Canada. EY CentreMarch 11-13, 2025Ottawa, OntarioOMIA ANNUAL CONVENTIONDetails Coming SoonThis is our opportunity to hold our annual general meeting and offer education sessions to our members. More details and a formal invitation to come in the new year. Sheraton Toronto HotelMarch 26-28, 2025Toronto, Ontario2025 ANNUAL GOLF TOURNAMENTDetails Coming SoonBlackHorse is tucked away in a quiet rural setting east of Kincardine and west of Wingham. It has sensational bentgrass greens and tees, impeccably cared for fairways and a stunning layout. BlackHorse Golf & Country ResortJune 11, 2025Kincardine, Ontario

pg. 6Please join us in welcoming Arif Majid to our team. Arif brings over 20 years of insurance experience, including over 10 years as a broker owner, before joining Cayuga Mutual as Business Development Manager. A Mississauga native turned Caledonia resident, he’s been active in the Haldimand-Norfolk Community since 2014, coaching soccer and serving on the DEI Advisory Committee.We’re pleased to welcome Kim Schnieder to our underwriting department in the role of Personal Lines Property Underwriter. Kim lives on a horse farm between Drayton and Arthur with her husband and daughter. Kim has been in the insurance industry for 14 years and is excited to join the team.We’re excited to welcome Danielle Miller who is taking on a new position as Document Administrator. Danielle lives near Drayton with her husband Bryan, 2 sons, and 4 rescue cats.Welcome, Kim and Danielle.Cayuga MutualWe’re very pleased that Jennifer Retz has joined Cayuga Mutual in the role of Customer Service Rep. Jennifer joins us with over 12 years of industry broker experience in personal lines. Jennifer currently lives in Caledonia with her husband and daughter. A welcome addition to our team, we look forward to her successful career with us.Edge MutualNewTeam MembersWelcoming New Facesto the Mutual System

pg. 7Please welcome Savannah Da Silva, a co-op student from Monsignor Doyle High School in Cambridge. Savannah will be working with our Admin, Underwriting, and Claims teams in the Shefeld ofce. She is passionate about pursuing a career in insurance and plans to join the insurance program at Mohawk College after graduation. Please join us in giving Savannah a warm, mutual welcome!Jason Berry brings over 15 years of insurance experience to HD Mutual, with expertise in commercial underwriting, sales, and service. Jason has an educational background in accounting and nance from Seneca College, and his career has included roles at an MGA, Wawanesa Mutual, and Aviva Canada. Jason is working towards his CIP and CRM designations. Outside of work, he enjoys tennis, golf, and board games. Welcome to the HD team, Jason!Carolina Parra joins our reception team as an Administrative Assistant. Carolina moved from Colombia in 2023 and brings a plethora of insurance knowledge, having worked as a Director of Insurance at a Colombian insurance company. Carolina is focusing on her English and professional communication skills, and she is excited to contribute and grow with the team. Outside of work, she enjoys outdoor activities and exploring new places. We’re so happy to have you on the team, Carolina!Please join us in giving a warm welcome to Rinaldo Wong who has joined our team as a Data Entry Clerk. Rinaldo joins us with a unique background in hospitality, having recently graduated from Sheridan College. Rinaldo worked as a professional butler and mixologist for over four years. Rinaldo will be working alongside the strategic initiatives team on our harmonization efforts. Outside of work, he enjoys playing soccer and snooker. Welcome to the team, Rinaldo!A big welcome back to Shawna Dudley, our Accident & Benets Claims Adjuster. Shawna was a part of the Dumfries team from 2017-2021 and we are so happy to have her and her expertise back on board! Shawna is a proud mom of two young boys who are passionate about hockey, so you’ll often nd her at the rink cheering them on. We’re so happy to welcome you back, Shawna!Sierra Martin has joined our team as a Data Entry Clerk. A graduate of Brock University with a degree in Political Science, Sierra brings experience from Canadian Border Services and the City of St. Catharine’s. She will be working alongside our Strategic Initiatives team to work on harmonization efforts. Please join us in welcoming Sierra to the mutual family! HD Mutual

pg. 8Krishna Chandwani joined the Actuarial Department as an Actuarial Analyst Co-op in September. Krishna is a third-year student at the University of Waterloo in the Honours Mathematics, Mathematical Finance program with a minor in Computer Science. Ayush Mishra joined the Actuarial Department as an Actuarial Analyst Co-op in September. Ayush is a second-year student at the University of Waterloo in the Honours Mathematics, Actuarial Science & Statistics program. Eike Zhao joined the Actuarial Department as an Actuarial Analyst Co-op in September. Eike is a second-year student at the University of Waterloo in the Honours Mathematics program. Yijia Wang joined the IT Department as an IT Technical Support Co-op in September. Yijia is currently enrolled in the Computer Programming & Analysis program at Conestoga College. Ranjani Krishnamurthi joined the Actuarial department as the Actuarial Team Lead in September. Ranjani graduated from the University of Madras with a Bachelor of Science in Mathematics and a Master of Science in Statistics (Honours). Kam Panchal joined the Innovation Department as Digital Architect in September. Kam holds his Master of Computer Science and a Bachelor of Statistics. Kam is Scrum Master certied and has completed certicates in Leading Remote Teams and Workplace Mental Health Leadership at Cornell University and Queens University.Jenn Blanchard joined the Business Operations department as a Business Operations Process Specialist in September. Jenn has completed several insurance-related courses at the Insurance Institute of Canada and is currently working towards her CIP.Scott Vanos joined the Business Operations Department as a Business Operations Associate on a 12-month contract in September. Scott graduated from the University of Guelph with a Bachelor of Commerce, Marketing Management. Farm Mutual Re

pg. 9We’re pleased to welcome Dylan Smith to the team as an Underwriting Assistant. Originally from Woodstock, Dylan moved to Dresden and is new to the industry. Dylan enjoys watching sports and spending time with friends and family. Welcome, Dylan!We’re also pleased to welcome Eli Duquette to the team as Account Manager. Born and raised in Petrolia, Eli has a degree in Business Finance and 18 months’ experience in banking. Eli is Proud to join Maple Mutual where his grandfather, Bruce Wright, was a long time Agent. This motivates him even more to continue his work and provide the best service he can for his clients. Eli studied hard for his licensing exam and passed with ying colors. Congrats, Eli!Shawn Corcoran has stepped into the role of Sales and Marketing Coordinator. With a background in healthcare marketing, his area of focus will be on social media management, broker co-op marketing, and sponsorship management. Look for Shawn at Grenville’s company-sponsored events and shows.Briana Reynen has joined us in a newly created role as Project Coordinator. Briana has already dived in, helping the team stay on course with project deadlines. Having solid project coordination experience in commercial construction, she is proving her value in keeping us on our toes.Stephanie Pender joined the team as our new of Ofce Administrator, where she will be greeting and supporting visitors as well as managing incoming calls, emails and mail. Stephanie has worked in the insurance industry for years, making her knowledge and experience super assets to our team.We’ve been busy building up our team these past few months. Welcome aboard!Grenville Mutual Maple MutualUsborne & Hibbert MutualWe’re pleased to welcome Esther Nwizu to the team as Accounting Assistant. She has an Economics degree from Anambra University, Nigeria and a Diploma in Business Accounting from Fanshawe College. Esther has accounting experience working in both Nigeria and Canada and lives in London with her husband and young son.

pg. 10Heartland MutualRenata AlmeidaSenior Personal Lines UnderwriterAbigail JamiesonHR GeneralistAmber McCraneyFinance Representative IMary HandIT Project ManagerJordana MirandaSenior Commercial UnderwriterJoseph LiuFinance StudentRushi PatelSolution LeadAlexa LiddellFinance Representative IFarqad HiderPersonal Lines Underwriter IBhavin VyasPersonal Lines Underwriter ITracy MarchandPersonal Lines Underwriter IPlease join us in welcoming the following people to the Heartland Mutual team:West Wawanosh MutualWe’re pleased to announce the appointment of Maaike van Hittersum to the role of Financial Controller. Maaike (pictured, left) obtained her Bachelor’s degree from Wilfrid Laurier University and earned her CA designation in 2017. Maaike brings with her a robust background in nancial management, with experience serving and working on multiple boards, and extensive audit experience. Serving on multiple boards has also provided her with valuable skills and insight relating to strategic planning, governance and risk management. Maaike lives in Goderich and is very active within the community. Her contributions and commitment to community align with our desire to work to support thriving local communities. We are delighted that Maaike has decided to join the WWMIC team!Welcome to Alyssa Blanchard, Junior Residential/Farm Underwriter. Alysa graduated with a Bachelor of Business Administration (Honours) specializing in Operations Management. After graduating, Alysa worked in accounting/bookkeeping then decided to change career paths when the opportunity with WWMIC arose. Alysa is planning to start working towards her CIP designation in the new year and is looking forward to working with the team. Welcome to Haley Bowman, Underwriting Assistant. Haley graduated from Fanshawe college with a diploma in Business Human Resources and will soon be working towards her CIP. She is excited to be at WWMIC and looks forward to growing in the insurance industry. Welcome to West Wawanosh, Maaike, Alyssa, and Haley!

pg. 11We’re pleased to welcome Lori Kwasek to our Accounting Team as Accounting Assistant. Lori has a background in various accounting positions and brings a wealth of experience. She is excited to jump in and learn more about the insurance industry and the mutual system. Please welcome our new Administrative Assistant, Dana Vanderheyden. Her administrative experience and strong organizational and customer service skills are a great asset, and we’re thrilled to have her. Dana is excited to pursue her CIP and learn more about the insurance industry. Melissa (Mel) Miller joined our growing Claims department as a Claims Representative in July. With a decade of experience as a broker, Mel brings amazing customer service and passion for the mutual system. She is excited to provide the best possible experience for policyholders. We welcomed Nancy Brooking to our Claims department in July, as a Claims Representative. With a background in health insurance claims, Nancy is excited to explore P&C insurance and the mutual system. She brings great customer service skills, along with her French background, to help our policyholders through difcult claims. We’re pleased to welcome Mathew Montani to our Underwriting Department. Mat joined the MutualONE team in July and has been a fantastic addition. With several years of experience at a stock company, he is excited to join the mutual family!We’re pleased to welcome Bianka Faulds to our Client Services team. Bianka joins us with a background in life insurance and risk management. Fluent in French, she will be a great resource in assisting policyholders of various backgrounds. She is excited to learn more about P&C insurance and the mutual system. We would also like to congratulate Bianka on completing her OTL Exam. She passed with ying colours! We’re excited to welcome Joan Collins, to the role of Manager of Underwriting Services. Joan has had an extensive career in the industry, from brokerage positions, senior underwriting and executive leadership roles, overseeing underwriting and sales departments and entire operations. Joan also has been on the Board of Directors of Cognition+ for several years and is the current Board Chair. We are very fortunate to have Joan joining the MutualONE team. MutualONE Your Outsourced Investment Governance Expert Inquire about our proven expertise in: ➢ Governance documents ➢ Portfolio assessments ➢ Money Manager assessments ➢ Complete Quarterly Monitoring Services Contact Jeffrey Hand at 905-336-1879 or info@bonnycastle.ca

pg. 12Please join us in welcoming Jim Sulston, to the position of Manager of Product Pricing. Jim brings 22 years of actuarial management experience, with a specialized focus on predictive analytics. Holding an MBA, BMath in Statistics, and a CIP designation, Jim’s expertise is evident through his education and professional career.Jessica Ghansiam joined Ayr Farmers Mutual as an Underwriting Assistant.Jessica worked as an Academic Support Coordinator for the last seven years. Her background in technical support and customer service, along with her eagerness to embark on this new journey in the insurance industry, makes her a valuable addition to our department. Welcome, Jessica!Emma Rife joined Ayr Farmers Mutual in the role of Contract Receptionist. Emma recently graduated from Wilfrid Laurier University with a degree in Law and Society and a minor in Criminology. Emma has deep roots in Ayr, where she grew up and developed a love for the community. She is passionate about interacting with others and is eager to learn and grow with us. We’re condent that her enthusiasm and positive energy will be a great asset to our team. Welcome, Emma! Joe Lisk has joined the Ayr Farmers Mutual team of Agents. Joe’s previous position as Team Member Relations (HR) at Toyota for 14 years has provided a great opportunity for him to demonstrate his care, build strong relationships and gain a wealth of experience with customer interactions. Joe has a passion for coaching sports and volunteering in the community and we know Joe will quickly feel at home with AFM. Welcome, Joe!Kylie Pines joined Ayr Farmers Mutual as an Agribusiness Underwriter. Kylie brings with her three years’ experience in personal lines and agricultural underwriting. She is excited to share her expertise and enthusiasm with our team, and we are excited to have her on board. Welcome, Kylie!Tracy Lundstrom (pictured, left) has joined us in the role of Senior Personal Lines Underwriter. Tracy comes to us with a wealth of experience and knowledge, having been in the industry for over 23 years. She is known for her broker training and relationships, and for specializing in personal lines underwriting. She is also working towards her ACIP. We’re so lucky to have her! As a rst for our team, our Agribusiness Underwriters are happy to welcome Hayley Copperthwaite as an Underwriting Assistant to help support them. She is already helping the team tremendously by taking on inspection reviews and follow-ups. She’s currently completing her RIBO license and looking forward to working towards earning her CIP as her next challenge. Emily Broadhead has joined us as Intermediate Commercial Underwriter. Emily worked as a Broker for 13 years and brings with her a great amount of experience. She is actively working to obtain her CAIB designation and eager to begin her CIP. She is excited to try something new, and we’re happy to welcome her! Nova MutualTrillium MutualAyr Farmers Mutual

pg. 13A healthy and happy community is a goal that many strive to meet and we believe that it’s important for our community to stay t and be active. Howick’s own Shawn, Dallas, and Melissa participated in a community event, the annual Run4Health which encourages runners/walkers to make their way around the town of Walkerton in the 10k run or 5k walk/run in support of the Walkerton & District Hospital Foundation. The Stratford Perth Hospice Foundation is committed to raising operational funding for the Rotary Hospice Stratford Perth where palliative individuals, as well as their loved ones, are supported through their end-of-life journeys. Howick’s Kathryn and George presented a donation and also had the opportunity to tour the facility and learn about the valuable services this organization provides. Mutuals Give BackThis is How We Support Our CommunitiesHowick Mutual

pg. 14THINK DIFFERENTLYWE ARE CALDWELL SECURITIES LTD. A TEAM OF OUTSIDE THE BOX THINKERS,BUILDING SOLUTIONS THAT OUR CLIENTS NEED.WE ARE AN INDEPENDENT INVESTMENT FIRM,WORKING FOR OUR CLIENTS’ BEST INTERESTS. IF YOU CAN THINK IT, NEED IT.WE CAN BUILD IT.FOR MORE INFORMATION, PLEASE CONTACT:Brendan T.N. CaldwellDirector & Investment Advisor150 King Street West, Suite 1710Toronto, ON M5H 1J9416-862-7755 ext. 250 | 1-800-387-0859 bcaldwell@caldwellsecurities.comwww.caldwellsecurities.comGrenville MutualMany hands make light work! The Grenville team spent a sunny fall afternoon with the folks at the House of Lazarus Community Outreach Mission in nearby Mountain, Ontario sorting clothing for our communities in need. Every day an army of volunteers assist in sorting household goods and clothing donations, evaluating, cleaning, bundling, and pricing donations, assisting customers, displaying and stocking items. All this hard work keeps its thrift stores running smoothly. We were thrilled to lend our hands to such a great cause.

pg. 15YOUR FORENSIC ENGINEERING ALLIESUnearth Expert InsightsWhether you’re handling a kitchen fire, or a loss at a multimillion-dollar agricultural facility, you can rest assured that you have our skilled and experienced investigative team at your service. CEP Forensic’s team of engineers and investigators prides itself on the cultivation of client relationships and unparalleled investigative expertise.Clear. Effective. Partners.cep-experts.caHeartland MutualHeartland brokers and staff have submitted their applications for the iHeart request campaign. The iHeart Community Fund supports initiatives in the community, scholarships at several postsecondary institutions and signature giving in our four areas of focus; Health and Wellness, Safety and Prevention, Skills and Education and Community Support. We are thrilled to support 38 community initiatives across Ontario and Nova Scotia as part of our 2024 iHeart request campaign. It is a tremendous privilege to support community initiatives that were nominated by our staff and brokers to give back to the communities we do business in.West Wawanosh MutualAs one of the few towns in the area offering hardball instead of fastball, Brussels has growing interest from players near and far. Their ball elds are busy and they want to enhance their facility by installing a batting cage to continue the success of their minor ball program, recreational teams and drop-in players. West Wawanosh Mutual is happy to contribute toward a batting cage and to support the Brussels community.

pg. 16Lambton MutualOnce again, we rewarded ve very worthy Scholarship recipients from our community. These scholarships are awarded to high school students who are sons/daughters of existing policyholders of Lambton Mutual, and are chosen due to their outstanding community involvement, volunteerism, & academic excellence. Pictured below: Recipients Rylann MacLachlan, Logan Arnel, Natalie White, and Pavla Gerrits with Board Member Sue Lithgow and CFO Jim DeJeu.We were also proud to sponsor and volunteer at the All Hands On Deck Food Drive in Strathroy this summer. Together with myFM and other supporters, we collected non-perishables, hygiene products, school supplies, cash, and gift cards in support of four local charities: Women’s Rural Resource Center, 37 Frank Youth Centre, The Salvation Army and Y.O.U Opportunities Unlimited. These organizations make a big difference in our local community and we are pleased to be able to support them in a meaningful way. Pictured, right: Sarah McLean (Underwriting), Nadine Lawrence (Underwriting), and Makayla Callaghan (Underwriting).

pg. 17HD MutualWe have proudly continued the charitable legacies of Halwell Mutual and Dumfries Mutual by expanding our community support. We’ve supported over 40 partners by investing more than $75,000 to local events, organizations, and causes across southwestern Ontario. An additional $55,000 is in play for donation by the end of 2024. Notable initiatives include: • HD’s Charitable Donation Program: Staff members allocate $100 to a Canadian charity of their choice. • HD’s Scholarship Program, supporting students entering post-graduate studies and awarding ve $1,000 scholarships to student pursuing post-secondary education. • Sponsoring community events such as the Guelph Humane Society Happy Tails Gala, Hope in the Street, the Joy Home Tour, 65 Roses Gala, Boots in the Creek, and River ‘n Roots, • Supporting agricultural events and fall fairs such as the Rockton World Fair, Erin Fall Fair, Paris Fall Fair, Autumn Opportunity Holstein Show, Dufferin Wellington Holstein show, the Royal Agricultural Winter Fair, the North Dumfries Plowing Match, and more. We remain committed to continuing these efforts and look forward to making an even greater impact in 2025.

pg. 18Kent & Essex proudly served as the main sponsor for the recent Child Fingerprint and Car Seat Clinic, organized by Chatham-Kent Crime Stoppers. The event, held in collaboration with the Chatham-Kent Police, Chatham-Kent Fire Department, Chatham-Kent EMS, and LinCK, provided a vital service for parents and children. More than 100 parents attended to have their children’s ngerprints electronically recorded. These digital ngerprints, given to parents, are crucial for identication purposes and assist rst responders and law enforcement during missing child searches and investigations.In addition to the ngerprinting service, families received professional assistance with the installation of child car seats. Children were treated to an exciting experience, meeting local rst responders and touring a re truck, ambulance, police car, mobile command centre, and even a SWAT-style tanker.We’re excited to be the Main Sponsor of the Family Fall Event, hosted by the Children’s Treatment Centre & Foundation of Chatham-Kent. The event marked a signicant milestone in the Centre’s nal push to raise $500,000 for their new state-of-the-art facility.We’re proud to have already donated $100,000 previously to help make this vision a reality, and seeing the community come together for such an important cause has been truly inspiring. The Family Fall Event, attended by many local families, children receiving services, and their friends, was lled with heartwarming moments. The lively gathering featured live music, fun games, and activities for kids, alongside a variety of offerings from food trucks.Member of Provincial Parliament for Ontario, Trevor Jones delivered a keynote speech praising the Centre’s work. Mike Genge, President of the Children’s Treatment Centre, spoke passionately about the positive impact the new facility will have on the lives of countless children and families. It’s amazing to see the community come together for such an important cause. We are honoured to play a part in helping the Centre reach this milestone and ensure that every child has access to the care they deserve.Kent & Essex Mutual Farm Mutual ReThanks to the dedicated efforts of the Green Team volunteers throughout the summer, we harvested and donated over 182 lbs of fresh produce to the Cambridge Food Bank.Maple MutualWe’re proud sponsors of the Dresden Rotary Concert Series, and we also hosted a BBQ fundraiser during this summer event. Our team of dedicated staff provided hotdogs, burgers and cheeseburgers for attendees and raised $750 for the Dresden Terry Fox Run.

pg. 19National Coaches Week was September 16th to 22nd. This annual campaign is an opportunity to recognize coaches for the integral role they play and is a great time to say thanks. To show our appreciation, we donated to the Arnold Anderson Sport Fund. This organization makes access to sport and recreation possible to all young people in Brantford and surrounding areas, regardless of their ability to pay. We’re so grateful for all the incredible coaches making an impact in our communities. In honour of National Day for Truth and Reconciliation, we donated to the Gord Downie and Chanie Wenjack Fund. It aims to build cultural understanding and create a path toward reconciliation between Indigenous and non-Indigenous peoples. Its goal is to improve the lives of Indigenous people by building awareness, education and connections between all peoples in Canada. We continuously strive to support our team through a variety of resources, support and education so that we may learn and understand together. Nova MutualErie MutualWe’re so excited to have completed the nal phase of our community mural, bringing the entire wall to life with vibrant colour. The mural showcases the incredible agriculture that abounds in Norfolk County and surrounding area, from the goods changing hands from farmers to the community at the weekly market, to the culminating celebration of the harvest at the annual Norfolk County Fair and Horse Show. This project was a Fairgrounds Beautication initiative taken on as part of our annual sponsorship of the Norfolk Agricultural Society. What started as a discussion and a dream, became a design, and is now an incredible nished piece adding colour to the community. A big thank you to our Brand Team, and in-house designer and muralist, Shane for bringing his design to life. Good nutrition is important at every age and Erie Mutual is proud to support our community efforts to promote and provide nutrition programs. Donations to two local groups will help The Child Nutrition Network and the Niagara Nutrition Partners with funding toward their programs. Roydon King (Erie Mutual), Jessica Stephenson of Niagara Nutrition Partners, Arlene Everets, Lauren Horton, Warren Burger (Erie Mutual)Roydon King, Arlene Everets (Erie Mutual), Sharon Smyth of the Child Nutrition Network , Lauren Horton, Warren Burger (Erie Mutual)

pg. 20MutualONE4-H Ontario Goes for the GoldMutualONE was pleased to sponsor a booth at the 2024 Ilderton Fall Fair and celebrate our agricultural roots! Our Agents and staff got to connect with policyholders and the local community over the three-day event. We handed out hundreds of fresh local apples to fairgoers of all ages. Ontario Mutuals proudly sponsors the annual 4-H Ontario Go for the Gold competition, held at the Royal Winter Fair in November. On Saturday, November 2nd, the Huron 4-H Association celebrated their win! The Huron team included Molly Bolinger, Avery Bruinsma, Paige Bruinsma, Mackenzie Terpstra and Evy Verschaeve, as well as coaches Carol Bruinsma and Lauren Shiell. Go For The Gold is 4-H Ontario’s trivia style competition where youth ages 9 to 21 compete locally, regionally and provincially for the title of Go For The Gold champion. One team from each of the six regions across Ontario competes for the championship title.“4-H Ontario is a special organization for our Ontario Mutuals, many of whom are alumni themselves,” says John Taylor, President, Ontario Mutual Insurance Association. “The provincial nals for Go For The Gold are always a highlight for us as Go For The Gold sponsor. Congratulations to all the nalists and all the regional play down competitors!” The 4-H Ontario Go For The Gold competition also celebrated its 42nd anniversary in 2024. The rst game of Go For The Gold was played in 1982 when the competition was known as Reach For The Top, modelled after the popular high school quiz competition. This year we purchased a heifer named Petals from a local 4-H Ontario member who plans on investing the proceeds back into the 4-H club and her future show heifers. We were pleased to help Maddy secure a new home for Petals so she can one day have her own calves.

pg. 21Trillium MutualThe funding that our ROOTS Community Fund provided to St. Clair Region Conservation Authority was used to help in the installation of a wildlife protection fence. The fence was installed around a plantation of white pine seedlings (pinus strobus, Ontario’s provincial tree) that originated from two different ecological regions in North America. The Fund also donation to the Bayeld Agriculture Society, which enabled them to construct a fence designed to ensure the safety of both fairground animals and attendees.The ROOTS Fund recently donated $5,000 to Growing Chefs, Ontario’s Learn to Grow; Grow to Learn project. The initiative will combine agri-education programming with an innovative new food security program model.A big thank you to the Listowel Agricultural Society for organizing a fantastic Fair last week. Special thanks to the Trillium volunteers including Heather, Christine, Tracey, and Lindsay! The fair marked its 168th year with many exciting events and activities for the community.Thank you to Amanda and Pam who recently volunteered their time doing a variety of tasks at the Brussels Fall Fair. You dedicate yourself to protecting your policyholders, but who’s protecting you? Secure your financial and operational future, with our help.MNP.caYou deserve protection too

pg. 22Stanley MutualStanley Mutual also hosted our annual community corn boil this year at our head ofce. It was a great day of local corn, door prizes, games and community togetherness Stanley Mutual was pleased to sponsor the Fredericton Insurance Association Annual Golf Tournament! We had an amazing time on the greens and had an incredible local beer tasting led by the fabulous Lyssa Kennedy, Jodi Simpson, and Courtney Case, while Greg Dunlap, Colin Brewer and Gary Jones Jr. hit the greens. We were also pleased to sponsor the Canadian Insurance Claims Managers Association Golf event.Our very own Director, Wanda Schuttenbeld, volunteered her time and showcased her incredible dairy farm to help young people understand where our food comes from at the Dairy Farmers of New Brunswick NBEX show.We recently built a storage barn for the local Harvey Hornets Baseball in Harvey NB. Pictured above are Gary Jones Jr. Commercial Account Manager, David MacMinn, Board of Directors, Michael Bartlett Board of Directors, and Greg Dunlap, President & CEO.

pg. 23Usborne & Hibbert MutualThe employees of U&H Mutual organized a community BBQ on September 20th. We were happy to host the Huron & Area Search & Rescue (HASAR) team who joined us with their search truck. With strong community support, we raised over $3,000 for the Big Brothers Big Sisters of South Huron. It was a beautiful day and everyone enjoyed the barbecue hamburgers and foot long hotdogs.On September 14th, a team of our employees attended Breakfast on the Farm held at Hillmanor Farm in Dublin, Ontario. Hillmanor Dairy Farm is insured by Usborne & Hibbert. This event was organized by Farm & Food Care Ontario and provides an opportunity for the public to visit a working farm and to learn about livestock, farming processes and techniques.

pg. 24Woodland Towers is an independent living facility with a fantastic support services program for those who need more assistance with activities of daily living. Having been a former PSW at Woodland Towers, Steph has seen rsthand how crucial these programs are for residents and wanted to ensure they had some extra funding to keep the fun going. Steph’s volunteer day included running brain teasers and sparking laughs and lively discussions with residents, as well as assisting with handing out meals, and setting up for a fundraising BBQ and entertainment event. If you’re interested in volunteering and spreading some joy, Woodland Towers and Spruce Lodge are always on the lookout for helpers. Feel free to contact volcoord@sprucelodge.on.ca for more information.Tradition MutualHuron County Pride is an organization that helps the LGBTQ+ community by providing supports and inclusion, solidarity, as well as resistance to discrimination and violence. Steve chose to support the organization because he is a member of the community and feels it is important to support others. He spent the day prior to the Pride festival helping to prepare and set up for the celebration and then the whole day of the event helping with set up and tear down. Steve was a oater that worked wherever he was needed during the day. Huron county Pride is always looking for volunteers for the events they hold, just go to the website, www.huroncountypride.ca or facebook, https://www.facebook.com/Huroncountypride.Out of the Ashes is a large animal rescue right on the edge of Sebringville, Ontario with an array of rescued horses, cattle, buffalo, llamas and more. Their primary mission is to rescue neglected, abused, or abandoned horses, providing them with proper care, rehabilitation and a soft landing for the rest of their life. Lauren’s volunteer day included general barn chores, mucking the stalls and pens and even assisting with photography. The photos serve multiple purposes: documenting medical progress, attracting potential donors through social media and promotional materials, and creating a visual record of the rescue’s work. Volunteering at the rescue was a fullling experience that combined physical work with the chance to contribute.The Kirkton Fall Fair/Kirkton Ag. Society showcases agriculture in the local community. Their organization provides education and opportunities through their 4-H and Junior Farmers groups, and explores new opportunities through learning. Kelly selected this organization because she grew up here and continues to live in this community. Her time volunteering with the Ag Society was spent putting up security fences, organizing the education tent, moving straw bales, setting up the community centre (to help display local talent), as well as clean up and take down duties. “I would do this again in a heartbeat. Supporting my local community is near and dear.”

pg. 25Nikki and Patricia chose to support The Local Community Food Centre which offers access to good food, judgment free. The Local not only brings access to food to those in need, but also offers food skills programs tailored for children, caregivers, seniors, and those who live alone. They have community access markets twice a week which offer fresh local fruits, vegetables, meats, and pantry items all at wholesale prices with a Pay if Forward program. Nikki and Patricia spent their volunteer day cleaning, organizing, and preparing pamphlets, in preparation for their Annual General Meeting and open house. To nd out more about volunteering or donating visit The Local’s website: thelocalcfc.org.Minto Fire Safe Kids Day is an annual event dedicated to educating children about re safety. Chuck chose them to underscore Tradition’s commitment to ensuring the safety and well-being of the community’s youngest members. The donation was used to enhance various aspects of the event, allowing organizers to expand their outreach and offer more comprehensive educational activities. These activities include interactive demonstrations by re safety professionals, hands-on training sessions for children on how to respond in case of a re, and the distribution of educational materials that children can take home to share with their families. We were very pleased to help the organizers reach more children and provide them with an even richer learning experience. The Sebringville Athletic Association is a team of volunteers running the Sebringville Community Centre, baseball diamonds, and playground. They bring people together through Sebringville Sting Softball teams, family dances, kids’ craft mornings, holiday bingo nights and much more. Sarah and her family joined the SAA last year to give back and support our community. The SAA’s Family Fun Day took place on August 24th to celebrate the end of the baseball season with activities like a bouncy castle, carnival games, pie-your-coach, and a BBQ. Volunteers set up the hall, collected silent auction items, prizes for the children, and food for the BBQ. Sarah volunteered her time both days, but also attended as a parent on the weekend! Ontario Mutuals: Spotlight on AALPFounded over 40 years ago, the Advanced Agricultural Leadership Program (AALP) is a learning and leadership development program for the farming and agricultural sector. Ontario Mutuals have been a proud partner in the program for over 20 years and there are many graduates from AALP currently working in the mutual system. In recognition of AALP’s 40th year, we sponsored a video highlighting their good work. Visit the Ontario Mutuals page on YouTube to learn more!

pg. 26In 2024, AFM became a member of Sustainable Waterloo Region Impact Network. As one of our rst projects, we came together on October 17th to plant a Microforest on a corner of our property in Ayr.A Microforest is a small area of land that is returned to a natural state through the planting of native trees and shrubs. A Microforest has many ecological and social benets, such as, removing greenhouse gases from the atmosphere, creating habitat for insects and animal species, soaking up and reducing water runoff, and creating a natural area for enjoyment, exploration, and learning.This initiative involved staff and agents planting over 80 small trees and shrubs that are native to Ayr. Ayr Farmers Mutual (AFM)We’re very proud to be the Platinum Sponsor of “AYR200”, celebrating the 200th birthday of the village of Ayr (est. 1824). There were many community events hosted throughout the year, with the main celebration occurring on the Civic Long Weekend in August. We participated in the parade with a oat that was pulled by an antique tractor, driven by one of our longstanding Policyholders. The parade theme was the Village of Ayr, Celebrating Our History. We also hosted a celebration BBQ where our team came together to cook approximately 1,200 hamburgers and hotdogs for the community. The food, along with pop and chips, was generously donated by Foodland in Ayr. The grand reveal of our mascot C’Ayrington was a highlight we won’t forget, bringing smiles to so many. For more than 130 years, we’ve proudly stood alongside the Ayr community and are honoured to be a part of Ayr’s rich history and caring community.

pg. 27We held our annual Northumberland Roadside Clean-up Event in October. For over 20 years, staff and agents have taken part in this fun event where they look forward to giving back to the community and help keep our village clean. We held our 2nd annual Pumpkin Giveaway in October. This year was a huge success as we gave away over 250 pumpkins! Those who came also enjoyed fresh apples, hot apple cider and snacks, and were able to meet and have their picture taken with C’Ayrington!AFM continues to support the Christian Gleaners. Again this year staff volunteered their time, helping trim vegetables and pack the dried soup mix. The Christian Gleaners is primarily volunteer based and produces millions of servings of dried vegetable mix and other nutritious dried products each year using donated surplus produce to help feed those in need in developing countries around the world. For several years, AFM has donated to the Christian Gleaners at our annual Volunteer Appreciation Night. This year, AFM even grew some vegetables and brought them over to the Gleaners to help stock their shelves!YOUR MUTUAL CLAIMSPARTNERCall the Experts888-272-6671Turnkey Service Structural, Fire, Mechanical & Electrical ExpertiseOMIA Claims ProgramCarbon Offset InitiativeClient Services TeamIndependent Since 1965

pg. 28Tel: 519.744.4491Toll Free: 1.800.387.6419Email: info@kw-law.comYour Mutual Insurance Partner for Over 60 Yearswww.kw-law.comCorporate:Litigation:Coverage Issues: Employment: Steve Grant, Ross WeberJamie Bennett, Leanne WayTed DreyerRob BickleFarm accidents can occur in the most remote locations, making it difcult for rst responders to easily nd the situation. There is a aw in the system – not all rural property entrances have signage.In the event of an emergency, no one should have to wait helplessly for rst responders to nd them. Time is everything, and a civic address at the entrance to a vacant farm eld could make all the difference.We rely on local advocates to help us get this program initiated in new jurisdictions. It starts by having conversations with municipal staff, municipal council, and the re and EMS departments. We can help you introduce FARM 911 to your municipality and get the ball rolling! Visit farm911.ca to learn more and contact us.FARM 911 began out of a tragic loss of life, which in turn brought a committee of volunteers together who asked, how we can we ensure this never happens again? The Emily Project took root and blossomed into a province-wide campaign. Partnerships between farmers, community organizations, rst responders, municipalities, and local businesses, have been imperative to the growing success of FARM 911. Our project has been embraced with open arms, in all corners of the province. We want to thank every champion who has helped further the cause and brought it to where we are today. This is truly a grassroots initiative for us all to be proud of.

pg. 29Appointments & Positions ChangesTransforming the MutualsFarm Mutual ReIn August, Elizabeth Baker expanded her role to Manager, Strategic Advancement. In addition to overseeing the company’s project and change management disciplines, Elizabeth will now also assist with advancing the company’s strategy. Nardos Kassa accepted a part-time, contract position as People & Culture Administrator within the People & Culture team in September 2024.Nardos is completing her nal year at the University of Waterloo in the Arts & Business program, majoring in Legal Studies. Jackson Smith has accepted the role of Risk Management Analyst within the Risk Department. Jackson started at Farm Mutual Re in 2017 as a Claims Intern and returned for several summers, working closely with Chris Serran supporting Medical Rehabilitation analysis. Jackson has also been a member of the Product Services team as Product Services Coordinator. Most recently, Jacksonperformed the role of Associate Product Manager.In September, Lindsay Brown secured the role of Project Management Team Lead within the Project & Change Management department. Lindsay started at Farm Mutual Re in 2017 as a Claims Coordinator and was promoted to Claims Systems and Process Analyst in 2021. From there, Lindsay’s role was changed to Operations Optimization Specialist following the company reorganization and formation of the Business Operations department.

pg. 30Kim Grifn has been promoted to Farm Underwriting Team Lead. She has demonstrated a strong commitment to uplifting her colleagues, having played a vital role as the sole Shefeld Underwriter for new and renewal Farm business through the broker channel. Her dedication to process improvement and service standards will continue to benet her team and the company. Congratulations, Kim!HD MutualWe’re thrilled to announce that Zachary Ji has been promoted to Intermediate Underwriter in Commercial Lines. Zachary’s commitment to mentorship, his leadership in broker portfolio transfers, and the achievement of his CIP designation showcase his growth and potential. We are excited to see the continued impact of his expertise in this new role. Congratulations, Zachary!Kelly Jantzi has accepted the role of Commercial Underwriting Team Lead. With over 20 years of experience in Commercial Underwriting, Kelly has been instrumental in servicing and re-underwriting HD’s commercial book of business. Her balanced approach, focusing on both protability and strong producer relationships, makes her the ideal leader for this expanding line of business. Congratulations, Kelly! Hilary Toth has been promoted to Personal Lines Team Lead. As a passionate advocate for collaboration and problem-solving, Hilary’s leadership is widely recognized throughout the mutual community, including her roles as Chair of Cognition+’s Auto Rules Committee and OMAP’s PPV SME Committee. Hilary’s dedication to positive change will be an incredible asset in this role. Way to go, Hilary! Teri-Lynn Oakley steps into her new role as Claims Team Lead for Accident Benets. With nearly seven years at HD and over 20 years in the industry, she brings a wealth of experience from various leadership roles. Her expertise and positive attitude will further strengthen our claims department. We’re so proud of you, Teri-Lynn!Lambton MutualDave Colquhoun (pictured, left) is stepping back from his role as our Claims Department Manager in favour of a Claims Consulting role at Lambton Mutual.At the same time, we are pleased to congratulate Scott R. Brown on his promotion to the Claims Manager position. Scott will assume all the managerial duties previously fullled by Dave, who will transition to mentoring Scott in his new role. Scott began his career in 1996 with a foundation in construction and re safety. He transitioned to the insurance industry in 2011, leveraging his background to enhance insurance practices. Scott is a natural successor and has worked hard to achieve his CIP, CFEI, CHI and CRM designations. .com1-888-576-3010

pg. 31Maple MutualCongratulations to Candie Johnson who was recently promoted to the role of Executive Assistant. Candie joined Maple Mutual in May as an Account Manager and has quickly become a great part of our team.We recognize Candie’s over 25 years of experience in the insurance industry and wish Candie the very best in her new role.MutualONEWe’re pleased to have Erin Blake transition into her new role as Claims Assistant. Erin has been with the company for over 6 years in the accounting department and is excited to lend her skills to our Claims team!Join us in congratulating Danyle Phillips on her new role as Junior Underwriter. Danyle joined us last year as an Administrative Assistant and took a great interest in underwriting. She is currently working towards her CIP and is looking forward to learning more about all lines of business. We’re also pleased to announce the appointment of Christine Wellenreiter to the Board. Christine brings a wealth of knowledge and experience. She holds her Institute of Corporate Directors Designation and has extensive Board experience. She currently sits on the Board of Skilled Trades Ontario and recently sat on the Board of London Police Services. Christine has had a diverse career in the nancial services sector with executive roles in marketing and communications. We are very excited to have Christine joining our MutualONE team. OMIAWe’re very happy to share the news of Jennifer Higuchi’s promotion to Team Lead, Product Development. Jennifer has been a great team member and colleague in the role of Insurance Resource Ofcer and her technical expertise and leadership have been a valuable asset. Congratulations on this new role, Jennifer!West Wawanosh MutualWe’re pleased to announce the appointment of Travis Shelton to the role of Business Development Associate. This is a new role for us and integral to the continued growth and prosperity of the company. Travis brings a wealth of experience to the position with over 14 years in the insurance business. The bulk of his career has been spent in the broker space and most recently as part of the underwriting team at West Wawanosh Mutual. Travis’ friendly demeanour and positive attitude in conjunction with his hands-on experience make him a great t for this new role! Travis is also working towards completion of his CIP designation. Travis lives in Goderich with his ancé, Amber and is active in the community. Travis understands the value of relationships in this industry and looks forward to fostering new and existing connections!

pg. 32Course Date & NameNovember 21 (9:30am - 12:30pm) - Claims Manager Roundtable - Live OnlineNovember 26 (10am - 11am) - Enterprise Risk Management Forum - Live OnlineNovember 26 (2pm - 4:30pm) - Promoting Insurance to Value - Commercial Insurance - Live OnlineNovember 27 & 28 (9:30am - 12:30pm) - Farm Liability Coverage Review - Live OnlineNovember 27 & November 28 (9am - 12:30pm) - Claims Series: OAP Auto Claims Focused Review - Live OnlineDecember 2 (9am -12pm) - Board Chair & Vice Chairs Roundtable - Live OnlineDecember 4 & 5 (1pm - 4:30pm) - Claims Series: Understanding Medical Terminology - Live OnlineDecember 5 (9am - 3pm) - CEO Roundtable - In PersonDecember 10 (1pm - 3pm) - Sales, Business Development & Marketing Managers Roundtable - Live OnlineDecember 9 (10am -12pm) - Legislative Affairs RoundtableJanuary 7 & 8 (1pm - 4:30pm) - Commercial Property Coverage ReviewJanuary 8 (2pm - 4:30pm) - Promoting Insurance to Value - Residential DwellingsCourse Date & NameJanuary 9 (9:30am - 11:30am) - Underwriting Managers RoundtableJanuary 9 (1pm - 4:30pm) - Insuring Residential Condo Unit OwnersJanuary 14 (1pm - 4:30pm) - Automobile Underwriting RoundtableJanuary 15 & 16 (1pm - 4:30pm) - Farm Property Coverage ReviewJanuary 16 (9:30am - 12pm) - Sales, Business Development & Marketing Managers RoundtableJanuary 20 (5pm - 8pm) - Identifying the Regulatory Obligations of the Board & Insurance CompanyJanuary 21 & 22 (1pm - 4:30pm) - Residential Property Coverage ReviewJanuary 23 (2pm - 4pm) - E2Value January 23 (1pm - 3pm) - Data Quality RoundtableJanuary 27 (5pm - 7pm) - Enterprise Risk Management for DirectorsJanuary 28 & 29 (1pm - 4:30pm) Personal Lines Auto ProgramJanuary 29 (9:30am - 12:30pm) - Claims Managers RoundtableTraining & EducationEnjoy the Holiday Season!Map Your Path to Success at OMIAUpcoming Sessions (subject to change). Members, please refer to www.omia.com to review a current calendar of courses offered by OMIA. Hover on “Education” and click “Education Calendar”.Remember to sign up for our On Demand eLearning courses at www.omiaelearning.com!The OMIA Education Team looks forward to another full and meaningful calendar of events in 2025.

pg. 33On September 24th, 1984 Sharon Dittmer, Treasurer and Manager, Administrative Services, reported for work on Eagle Street in Cambridge to join a small but hardworking staff at OMIA, led by Mel MacIntyre. The number one song in North America was Let’s Go Crazy, and Prince was still called Prince. The Blue Jays beat the Red Sox 9-8 on their way to nishing second in 1984, and onto the playoffs in 1985. The Sky Dome/Rogers Centre was just a dream. (The Jays played at Exhibition Stadium near where BMO eld is today and the Leafs played at Maple Leaf Gardens.) Much has changed, but Sharon still hits it “out of the park” everyday.On behalf of the OMIA Board and all of your co-workers, congratulations Sharon, ofcially employee #1 by service at 350 Pinebush Road, Cambridge.MilestonesRecognizing Mutual Members’ Employment AnniversariesGermania MutualCongratulations to Stephanie Klages on celebrating ve years with Germania. Thank you for all that you do!Heartland MutualCongratulations to Mimi Fennell, AB Claims Representative II, and Janet Jones, Solution Lead, on ve years with Heartland.Congratulations to Leanne Craig , Guidewire Solution Architect, on 10 years with Heartland. Thank you for your dedication and hard work.OMIACongratulations to Heidi DuMaresq, Benets & HR Specialist, on celebrating 10 years with OMIA. Heidi has been an integral part of our team and a familiar face to many in the mutual community. Thank you for all of your contributions, Heidi!

pg. 34Congratulations to the following staff on their recent milestones with HD Mutual. Thank you for your contributions!COMING 2025MARKETPLACEgocognition.comHD Mutual15 Years of Service 5 Years of Service 10 Years of Service Colleen Kiriakos Insurance AgentKim Grifn Farm Underwriting Team LeadDale Stuart Director, Claims Technical and Loss Prevention Services Jason Cox Director, Business Development and DistributionMichelle Surlaya Director, Administration, Communication & CultureChristina George Insurance AgentSarah Cooper Junior Accountant Eric NagyPersonal Lines Team Lead

pg. 35AccomplishmentsCongratulating Mutual Members on Professional DevelopmentHD MutualPlease join us in congratulating Dzhanser Eframoiv for earning his CIP designation. Dzhanser’s dedication to completing his courses and exams in rapid succession is truly commendable. Way to go, Dzhanser! We’re proud to announce that Zachary Ji has recently achieved a signicant milestone by completing his CIP designation, a testament to his hard work and commitment as an underwriter. Congratulations Zachary, we are so proud of you! Heartland MutualWe’re proud to recognize two recipients of Canadian Broker Network’s Underwriter of the Year Award. Senior Personal Lines Underwriter, Karen Bernard (nominated by MacLeod Lorway) and Farm Underwriter II, Nicole Boulard (nominated by Bauld Insurance) were elated to be recognized for their underwriting efforts, working with brokers to nd win-win solutions, and their dedication to customer service. Karen remarked about the achievement, “Having been in the business for the past 22 years, I can honestly say it’s great to be recognized for my contribution to the insurance world. Feeling acknowledged in my role makes the job very worthwhile.” When asked what makes a great underwriter-broker working relationship, Nicole noted, “It’s important to prioritize being available and responding to brokers in a timely manner to support their needs. Providing clear explanations and talking through scenarios can go a long way toward forging strong relationships.”Congratulations to both Karen and Nicole on this accomplishment and representing Heartland’s mission and values!West Wawanosh MutualA huge congratulations to Traci Radford, recipient of this year’s Lifetime Achievement Award at the 2024 CIAA Conference, awarded for her unwavering dedication and outstanding contributions to the industry!

pg. 36Farm Mutual ReTo commemorate National Day for Truth and Reconciliation, the Farm Mutual Re Inukshuk was lit up in orange on September 30th. Employees also received special moose hide pins from the Moose Hide campaign, which aims to end gender-based violence.HD MutualHD Mutual is proud to announce that we have been ofcially certied as a Great Place to Work® for the rst time under our new name. This achievement follows the legacy of Halwell Mutual which received this certication in both 2022 and 2023. The certication is based on an independent analysis conducted by Great Place to Work®, using direct and anonymous feedback from our employees.As we continue our amalgamation and navigate the evolving challenges of day-to-day operations, this certication stands as a testament to our ongoing commitment to fostering a workplace where every individual feels valued and empowered to contribute their best. We’re excited about the momentum we’re building in creating an inclusive and thriving environment for our team.Peel Mutual Peel Mutual is proud to share that it has been awarded as one of the Best Places to Work in 2024 by Canadian HR Reporter. We received this reward after our staff were asked to respond to a survey ranking the organization on company culture, work/life balance, compensation, benets, and many other factors. Out of over 500 participants, our high staff rankings led us to be featured in the nal published report detailing how we provide a winning employee experience for our team along with our exible approach to work. We express our heartfelt gratitude to our valuable team members that made this achievement possible. You are what make our organization such a great place to work.Other News & Events

pg. 37Heartland MutualAll staff from Heartland recently participated in The Happiness Advantage | Orange Frog Workshop to increase engagement, happiness, and maximize each Heartlander’s potential in their personal lives and in the workplace. This workshop is based on the research of Shawn Achor using seven principles from his bestselling book to provide actionable approaches to enhance productivity and positivity. With the techniques learned at the workshop, Heartland is embracing the Happiness Advantage and integrating “orange” actions into our ofce and personal lives moving forward. Howick MutualHowick Mutual hosted a large group of brokers for our Annual Broker Appreciation Event in September. “All Glammed Up on the Red Carpet” brought many dressed for Hollywood. Food trucks, refreshments and fun were enjoyed by all! Kent & Essex MutualKent & Essex made a presence at the recent Meet the Industry Night hosted by the Insurance Institute of Ontario - Southwestern Chapter in London. The event, which drew over 50 exhibitors, brought together brokers, job seekers, students, and industry professionals for an evening of networking and collaboration. We had the opportunity to engage with the attendees and were eager to share our expertise and insights into the insurance industry. Alongside meaningful conversations, we handed out exciting swag and merchandise, adding a fun touch to the professional gathering. We had an amazing time connecting with the vibrant insurance community. It was fantastic to meet so many passionate individuals and contribute to fostering strong relationships within the industry.Stanley MutualStanley Mutual is proud to havewon PLATINUM for Fredericton Community Votes Best Insurance Agents and BrokersFREDERICTON’S BESTINSURANCE AGENTSWe recently won platinum in Fredericton Community Votes for Best Insurance Agent and Broker.

pg. 38In September our employees, directors, agents and brokers gathered for the annual Lambton Mutual Agent & Broker Appreciation Day Golf Tournament. Everyone enjoyed the sunny day playing golf and networking with colleagues.We’re pleased to announce that we have been recognized as one of London’s Best Places to Work for the second time in the Large Business category (80 or more employees). This accolade highlights the company’s commitment to fostering a high-performance culture centred around teamwork, empowerment, and continuous innovation. Cognition+ has been selected as one of the top 15 companies out of 90 applicants.We recently achieved many signicant milestones, including client growth across Canada, expansion into new markets, and the introduction of cutting-edge innovations like the Cognition+ Cloud and the upcoming release of Cognition+ Marketplace. These accomplishments are a testament to our dedicated team and their unwavering commitment to our mission. We’re proud to create an environment where our employees feel valued and empowered to innovate and delight our clientsLambton Mutual Cognition+gocognition.comTrillium MutualA heartfelt thank you to all the brokers who attended our incredible event broker appreciation event! We also want to extend our gratitude to the Trillium staff who helped organize and manage everything. With live music, fun games, and prizes to win, it was a wonderful time.We were delighted to participate in this year’s Canada’s Outdoor Farm Show. Thank you to Canada’s Outdoor Farm Show for hosting such a fantastic event. Our team had an incredible day exploring and learning about the latest equipment and technologies, we truly enjoyed every moment! Thank you to MP John Nater for visiting with our President & CEO, Tracy MacDonald, and Ross Lamont, Board of Directors. We chatted about mutuality, it’s rich history and importance within our rural communities. We look forward to continuing our discussions!

pg. 39Ayr Farmers Mutual (AFM)We’re excited to introduce the newest member of the AFM team, C’Ayrington! C’Ayrington is a warm-hearted, friendly bear who embodies the values of AFM. With an approachable demeanor and genuine care for community, C’Ayrington is more than just a mascot, but is also a trusted friend. Always ready to lend a helping paw, C’Ayrington actively participates in local events, spreading positivity and support wherever they go.On October 9th, Ayr Farmers Mutual celebrated Diwali with a story, performance, and of course food! The Equity, Diversity and Inclusion committee organized this exciting event to educate our staff about celebrations of other cultures. Diwali comes from the Sanskrit word dipavali which means “row of lights”, also known as the “festival of lights”. It marks the triumph of light over darkness, of good over evil. Diwali is an ofcial holiday celebrated in Fiji, Guyana, India, Pakistan, Sri Lanka, and many other countries where celebratory traditions vary according to region and religion. During the festival many illuminate their homes, and temples with diyas (oil lamps), host family gatherings/parties, share traditional meals, and reworks. Many communities and associations organize activities, events, and parades with music, food, and dance performances.On the success of the 2024 Next Generation of Mutual Professionals conference, the Emerging Leaders Committee has continued its momentum in establishing its priorities and how it will serve the mutual system and next generation of talent that is within and coming into the mutual system. The committee has continued to meet monthly in 2024 and is currently preparing a business plan to prioritize 3 strategic objectives to guide efforts and measure success through 2026. Collaboration, support, and collective investment are the ethos of the committee’s discussions. To start, the committee is approaching the following strategic questions: • How to help build connections across the mutuals in order to collaborate for those not in a leadership position. • How to support in the retention of younger talent and develop them within the mutual system. • How the committee can help in fostering mutuality to professionals that are new to the mutuals. In addition, the committee invites you to save the date for the 2025 Next Gen Conference, to be held on July 15-16, 2025. The Next Gen conference is not bound by a dened age demographic, but rather welcomes and supports an array of staff in the mutuals, including individuals who are new to the mutual community, those identied in succession plans, those new to leadership positions, and anyone seeking professional development opportunities. Stay tuned for 2025’s conference theme which will be shared in Q1. Emerging Leaders Committee

pg. 40Ontario Mutuals Fall EventsThe Ontario Mutual Insurance Association (OMIA) was pleased to facilitate a mutual presence at Canada’s Outdoor Farm Show, the International Plowing Match, and the Insurance Brokers Association of Ontario (IBAO) Convention.Canada’s Outdoor Farm Show took place from September 10th to 12th at Canada’s Outdoor Park in Woodstock, Ontario.For over 30 years, farmers have attended Canada’s Outdoor Farm Show to learn about the newest and most innovative products and technology in agriculture. Ontario Mutuals was featured in a 30 foot booth, which hosted a variety of member mutual participants as well as 4-H Ontario, of which we are longtime sponsors. This show is fast becoming the place to be for active producers in rural Ontario.The International Plowing Match (IPM) took place from October 1st to 5th at the Lindsay Fairgrounds in Lindsay, Ontario. The IPM is a ve day celebration of agriculture and rural living. There are plowing competitions, a range of activities for people of all ages, numerous opportunities to learn about agriculture, live entertainment, and a variety of vendors and exhibitors. Ontario Mutuals is a Presenting Partner of the Match, which includes sponsorship of the Main Stage. This year, our display hosted the Kawartha Lakes OPP and Fireghters for some hands on learning. We also handed out our ever popular yardsticks and team members from The Commonwell Mutual, HTM Insurance, Bay of Quinte, and 4-H Ontario greeted visitors with their own giveaways.The IBAO Convention took place on October 23rd and 24th at the Sheraton Centre, Toronto. This highly anticipated event brings together brokers and industry partners for education, networking, important panels, and fun. This year set a record for attendance with about 3,000 visitors through its doors. Ontario Mutuals hosted a trade show booth with member mutual representation, as well as a hospitality suite with seven mutual co-hosts who share in the costs. It was a lively room with a live jazz band and mutual networking late into the evening.If you have any questions about upcoming events at OMIA, and how your company can participate, please reach out to marketing@omia.com. Canada’s Outdoor Farm Show

pg. 41International Plowing MatchIBAO Convention

pg. 422024 Presidents & Managers MeetingOttawa, OntarioThe 2024 Presidents & Managers Meeting took place at the Chateau Laurier in Ottawa from October 27th to 29th.Chair, Marg Torrance welcomed delegates back to Ottawa for the rst time since 2019.In welcoming delegates, Marg remarked on our opportunity to honour the past as we met in the nation’s capital, to take advantage of the many present opportunities the next few days would provide, and to lean into the future with networking and education.Opening keynote speaker, Sam Goodwin, spoke on his harrowing life experience of captivity as a prisoner in Syria and his strategies in winning through the uncertainty of an experience that we could only begin to imagine. The OMIA business session included reports from Chair, Marg Torrance and OMIA President, John Taylor. Marg talked about OMIA’s strategic pillars, and the tremendous response received through the member strategic survey over the summer. Marg also thanked all her mutual colleagues for their support in raising money for Indwell, a charity dedicated to providing supportive housing. In his President’s Report, John Taylor reviewed developments over the past year and specically spoke on the themes of compliance and active regulation, adapting to new nancial reporting, leveraging data strategy, promoting mutuality, and planning for sustainability of the mutual system.Fire Mutuals Guarantee Fund Chair, Sharon Hollister convened the Guarantee Fund meeting. She spoke on the important work of the Financial Review Committee in monitoring mutual solvency. Catherine MacLellan was thanked for her 30 years of service as Chair of the Financial Review Committee and Andrew Cartmell was congratulated on moving into the Chair role on the committee.Andrew Cartmell gave the Financial Review Committee update and reported on nancials to the end of June 2024. The nal session of the morning was an update from Tyler Kroetsch, VP, Ontario Mutual Automobile Plan. He included developments in rates and protability, as well as the introduction of Drive Mutual, a telematics app.

pg. 43Afternoon sessions included an update from EY on Climate Risk Disclosures on Financials, a panel with guests from Bennett Grant LLP who spoke to Director/Regulator Conversations and a panel which included Alec Harmer (HTM Insurance), Stephen Matusiak (HD Mutual) and Greg Martin (Cognition+) for a practical discussion on how Articial Intelligence and Generative Intelligence have been used within our mutual system on some pilot projects.On Monday evening, attendees enjoyed a “dress as a decade” reception and hospitality event with many creative costumes on display. In addition, guests supported a fundraiser for Indwell. Tuesday’s program began with Farm Mutual Re’s Information Session which included insights from Chair, Kevin Konecny, CEO, JP Gagnon, CFO, Amy Butler, Chief Claims Ofcer, Lisa Fazzari, and AVP Actuarial, Janeth Fernandez. Jill Taylor provided the Farm Mutual Foundation Report. The 2024 Scholarship topic asked students to explore how mutual insurance impacts local communities. 244 scholarships were awarded.Manijeh Colabella (Watson) provided a governance session on how risk culture can be embedded into governance culture, this incorporated some thinking around FSRA’s 6 core principles of corporate governance along with some examples of how these play out in the Boardroom. Following a lunch sponsored by Farm Mutual Re, Jonathan Miller of the MacDonald Laurier Institute provided a session on Geo-Political Risk Factors that Canada is facing in the global environment. This session looked beyond the headlines and gave some practical dynamics that Canada faces as a world citizen during a time of volatility.The closing keynote speaker was Tim Arnold who spoke to importance leadership themes, including embracing the “six unavoidable leadership tensions”.Marg Torrance closed the 2024 Presidents and Managers meeting and invited delegates to the 2025 P&M Meeting to be held in Niagara Falls. Catherine MacLellan led the solvency review process for Ontario’s farm mutuals from its outset in the 1990s. As a Chartered Professional Accountant and an Honours Graduate from UBC’s Bachelor of Commerce program, Catherine played a pivotal role in developing key metrics, navigating accounting changes for Canadian insurers, and working with mutuals facing nancial challenges. Thank you, Catherine, for her 30 years of service.Catherine MacLellan is pictured (centre) with her Accounting Advisory and Financial Review Committee colleagues.

pg. 442024 Presidents & Managers MeetingDistinguished Service AwardEach year, OMIA presents the Distinguished Service Award to a retired individual who has a made signicant contribution over the course of their career to mutuality and the mutual community. Our past winners have come from all parts of our mutual network, and each have brought a unique perspective to our mutual world. One characteristic that all past winners share, however, is in making their contributions freely and willingly for the benet of all their mutual colleagues and policyholders. This year’s winner is Bob Burley, who retired from the Board of HTM Insurance in 2021. It would be safe to say that Bob didn’t set out to take a leadership role in the mutual system. Bob’s involvement as a director at HTM and as a board member and Chair at OMIA reected a life-long dedication, shared with his wife Pat and generations of the Burley family, to community service and giving back to the common good.In his time on the OMIA Board, Bob combined a common-sense approach, a willingness to ask questions, and above all, a commitment to continuous learning and development. Despite a busy practice as a sought after Veterinary Technician, Bob’s work ethic always shone through in fullling his mutual duties, whether it was committee work, Group Meetings, or spending a day every year representing Ontario Mutuals at the 4-H Go for the Gold Championships at the Royal Winter Fair. At the HTM Board table, Bob championed doing the right thing for policyholders. At the OMIA Board table Bob championed doing the right thing for his fellow mutuals. Bob’s theme, Three Peas in a Pod, Policyholders, People, and Prot captured the key pillars of mutuality in the modern era. In October 2019, when Bob convened his P&M Meeting in Ottawa, little did we know that it would be our last in- person OMIA event for two years. A few months later on March 17th, 2020 Bob’s good nature and calm leadership skills were critical during the very rst days of the pandemic as the province declared a state of emergency, locked us down, and we all grappled with “signing on” to a new way of doing things. No description of Bob’s leadership style would be complete without reference to his sense of humour, which was never far from the surface and which he liberally used to make newcomers feel welcome and everyone else on their toes. It is our honour to present the Distinguished Service Award to our good mutual friend, Bob Burley. Bob Burley, centre, pictured with his family (far left) his HTM Insurance colleagues (middle), and OMIA President John Taylor and OMIA Chair, Marg Torrance.

pg. 452024 Presidents & Managers MeetingDress for the Decades Celebration Our mutuals know how to bring the fun! Here’s a peek at some of the incredible costumes during Monday night’s dinner and hospitality event:

pg. 46Westminster MutualFiona Wynn, Board Chair of Westminster Mutual congratulates Doug Crockett on his retirement from the Board. Doug began his mutual career in 1992 and has successfully completed over 32 years of service.Along his Westminster Mutual journey, Doug was also a Director at Farm Mutual Re and has participated in Legislative Affairs. Congratulations, Doug!RetirementsCelebrating Those Who Helped Us Thrive

pg. 47Discover The Mutual DifferenceWe were built by and for our policyholders over 160 years ago. Our business is simple - we offer the products you need and the service you deserve.It’s not the way every insurance company does business, but it is the mutual way.Home, auto, commercial and farm insurance - 160 years strong.ontariomutuals.caFind your local mutual at

Address: 350 Pinebush Road, Cambridge Ontario N1T 1Z6 (519) 622-9220 Fax: (519) 622-9227Mail: P.O. Box 3187 Cambridge ON N3H 4S6 www.omia.com And keep that news coming!Please send your news, photos, updates and more to marketing@omia.com. OM News can be read online at OMIA.com and sign-in is not necessary. Just visit www.omia.com and pick Ontario Mutuals Newsletter from the menu on the left of the page.READY TO GO GREEN? Please drop us an email if you’d prefer to read your OM News online and help us save paper and ink. Email marketing@omia.com and we’ll be sure that your name is included on the email notication that goes out when a new issue is available.